The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,462
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,222
−HK$774/mo
Today · 4.125%
HK$25,996
baseline
▲ 0.50% · 4.625%
HK$27,577
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,992/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,213
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,943
−HK$740/mo
Today · 4.125%
HK$28,683
baseline
▲ 0.50% · 4.625%
HK$30,195
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,366/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,354
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,267
−HK$928/mo
Today · 4.125%
HK$31,195
baseline
▲ 0.50% · 4.625%
HK$33,093
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,390/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,656
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,532
−HK$888/mo
Today · 4.125%
HK$34,420
baseline
▲ 0.50% · 4.625%
HK$36,235
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,840/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,246
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,311
−HK$1,083/mo
Today · 4.125%
HK$36,394
baseline
▲ 0.50% · 4.625%
HK$38,608
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,788/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,099
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,120
−HK$1,037/mo
Today · 4.125%
HK$40,157
baseline
▲ 0.50% · 4.625%
HK$42,274
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,314/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,031
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,400
−HK$1,392/mo
Today · 4.125%
HK$46,792
baseline
▲ 0.50% · 4.625%
HK$49,639
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,584/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,984
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,298
−HK$1,332/mo
Today · 4.125%
HK$51,630
baseline
▲ 0.50% · 4.625%
HK$54,352
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,260/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,283 · Scale 2, in force from 26 Feb 2026)